Alanna Avalone – Private Lender

2025, Issue No. 6

Quote of the Day

The stock market is a device for transferring money from the impatient to the patient.

— Warren Buffett

Letter to the Investors

That quote was written for Wall Street, but I’ve seen it play out in real estate, and honestly, in life. I’ve learned over and over, personally and professionally:

Patience isn’t just a mindset. It’s a strategy.

Most of what pays off in this business doesn’t feel exciting at first. It feels slow, repetitive, uncertain. But when the moment hits, when what you’ve been building finally starts compounding, that’s when it makes sense.

That’s been true inside my Robinhood this week. Ethereum popped, and I didn’t time the bottom. I didn’t chase trends. I just stayed in, kept my contributions consistent, and let the strategy play out.

It’s the same in real estate.

The ones who win aren’t rushing. They’re building, holding, and trusting their process.

If you’re in that stage, waiting, planting, or holding steady, you’re not behind.

You’re just aligned.

This weekly newsletter is my personal take on the market, through the lens of an experienced real estate professional who still believes in building one deal at a time.

Keep investing. Build beyond.

Have a great start off to your week.

Alanna Avalone – Private Lender

Investor Corner: Build-to-Rent Is Back, and This Time It’s Smart

There’s something happening beneath the headlines. While the big players chase stabilized portfolios and institutional exits, smaller investors are creating inventory from the ground up.

Literally.

I’m seeing more people buy land, sketch out plans, and build to rent, not as a trend, but as a strategy. They’re not waiting for the “perfect deal.” They’re making it. And they’re doing it one duplex, one triplex, one lot at a time.

And here’s the opportunity:

Building permits are down nationally, but certain pockets are still seeing serious activity, and serious demand.

The markets that stood out the most this quarter?

• Orlando, Florida
• Lafayette, Indiana
• Columbus, Ohio

In these places, rental demand is rising even as new construction slows. That creates a lane for small investors to build intentionally and hold profitably.

But here’s the thing:

The word is out, and opportunity brings competition.

If you want to be in, you need to move with structure, speed, and clarity.

It’s not about volume. It’s about control.

Control over construction costs. Over lease-up timing. Over the kind of tenant you want to attract.

If you’ve been waiting for something to hit the market, this is your nudge.

Maybe the next move isn’t buying what’s already built. Maybe it’s building what you want to keep.

Capital Markets Insight

Where money is flowing, what lenders are favoring, and how to position your next deal.

Capital is flowing again, but it’s not flowing everywhere.

Lenders and private credit funds are favoring build-to-rent projects under $5MM where the borrower brings a clean plan, a stabilized rental exit, and a reasonable timeline. We’re seeing continued strength for:

• Rental-focused construction loans up to 90% LTC
• DSCR exits with real equity and market-rate leases
• Deals in secondary markets with strong rent demand and infill potential

The message from capital markets is clear:

If you can build it with structure, rent it with stability, and exit cleanly, there’s capital waiting to back it.

Loan Spotlight: Ground-Up Construction for First-Time Investors

You don’t need a portfolio of past builds to get approved, you just need a plan, a lot, and a clear rental strategy.

This program is designed for first-time builders entering the world of small-scale development. Whether you’re planning a duplex, a 4-unit, or a small multifamily rental, we help you structure the capital stack and prepare for the exit.

Program Overview:

Ground-Up Construction

• 75% Loan-to-Cost (LTC)
• 60% Loan-to-ARV (LTARV)
• FICO under 680 may qualify with prepaid interest
• Origination Fee: 1%
• Lender Fee: 1.5%
• Doc Fee: $995
• Valuation Fee: $995 (waived with -5% leverage or pre-closing appraisal)

Exit Strategy: Keep it and Rent it Out

Once construction is complete, we can refinance the property into our DSCR loans:

• Rates starting at 6.37%
• Minimum FICO: 640
• LTV up to 80% for refinance
• No income documentation required

From blueprint to mailbox money, we’ll help you build it, lease it, and structure the next one smarter.

Inside My Robinhood

My Take: ETH Is Up

Ethereum is finally moving, and I’m not gonna lie, it felt really good to open my app this morning and see that green. I’ve been holding quietly, no hype, just steady… and today made it feel worth it.

It’s not just about the price. It’s about the patience.

I didn’t time the bottom. I didn’t chase a trend. I just kept adding a little here and there, holding through the noise, and trusting the strategy.

That same mindset applies across everything I do, whether it’s real estate, lending, or stocks:

Wait with purpose. Move when it’s time. Let the results speak for themselves.

Crypto is something that tests your nerves, your instincts, and your conviction.

And when it moves, it reminds you exactly why you stayed in.

Final Thoughts

If you’re here, you’re likely working your way through something real, acquiring, building, or scaling.

At Brickell Int’l, we specialize in working directly with small and mid-sized investors, structuring deals in the $1MM, $5MM space that need clarity, speed, and certainty.

But if your deal is bigger, more complex, or heading toward institutional capital, we still have the network to place it.

My team is ready for you.

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Need help packaging a file? My team underwrites with you.

We are Direct Lender for Residential Investor Projects.
We do NOT offer loans for homesteads (primary residences), or rural.

For projects that don’t align perfectly with our requirements, we collaborate with other lenders to explore financing alternatives.

— Typically booked out 2-3 days. Secure your spot now.

Broker Collaboration

We know brokers are the key to getting deals done. We provide the capital, underwriting, and servicing to help you close more deals with ease, backed by private capital.

Your deals, our capital. Focus on origination, we’ll handle the rest.

— If you’re a broker looking for a reliable lending partner, let’s connect!

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Start small, earn passively, and complement your real estate strategy with market-based gains.

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